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	<title>Comments on: Is it wrong to nickel and dime?</title>
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	<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/</link>
	<description>Trying to live large ...one step at a time</description>
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		<title>By: Community In Action - 5 Days Until Christmas Edition &#124; The Happy Rock</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4453</link>
		<dc:creator>Community In Action - 5 Days Until Christmas Edition &#124; The Happy Rock</dc:creator>
		<pubDate>Sat, 20 Dec 2008 04:26:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4453</guid>
		<description>[...] Is it wrong to nickel and dime? @ Living Almost Large [...]</description>
		<content:encoded><![CDATA[<p>[...] Is it wrong to nickel and dime? @ Living Almost Large [...]</p>
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		<title>By: The Happy Rock</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4452</link>
		<dc:creator>The Happy Rock</dc:creator>
		<pubDate>Sat, 20 Dec 2008 04:10:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4452</guid>
		<description>I feel you on this one, and no I don&#039;t think it is wrong.  My wife thinks that I go overboard and would love to grow my giving side.  So would I, but I am a cheap skate and I need to learn.

I think the heart and the motivation is pertinent to the discussion.</description>
		<content:encoded><![CDATA[<p>I feel you on this one, and no I don&#8217;t think it is wrong.  My wife thinks that I go overboard and would love to grow my giving side.  So would I, but I am a cheap skate and I need to learn.</p>
<p>I think the heart and the motivation is pertinent to the discussion.</p>
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		<title>By: LAL</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4427</link>
		<dc:creator>LAL</dc:creator>
		<pubDate>Fri, 19 Dec 2008 14:46:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4427</guid>
		<description>My FIL, Dad, DH and I all have.  My DH ran a small business from high school through college.  I have one now, called this blog.  Do I make a lot?  Nah.  But I run it because it&#039;s fun and I run my other blog as well.

It&#039;s not a large part of my income.  It&#039;s not even income I count on. It&#039;s more just a hobby.

My DH used to sell software for money to run a simulation of fantasy hockey.  And he ran a website and a league where you paid to play.  He ran it for years until we meet. And he made a pretty penny doing it. He had to run the financials to determine how much to sell the software for, how much to sell the advertising for, how much to run league membership for.  What it cost to pay for his server, our internet, his time, taxes (which was more in canada), etc.

So yes, we do understand about small businesses and profit.  And by the way we&#039;re considering starting a business next year.  Depending on how things turn out.

But we&#039;re going to sit, talk and discuss what our bottom line and walk away point is before hand.  Because this would be an income change.

And if you don&#039;t like people nickel and diming you  then raise your prices or get a job for a company!  Simple.  The market only supports what it supports.</description>
		<content:encoded><![CDATA[<p>My FIL, Dad, DH and I all have.  My DH ran a small business from high school through college.  I have one now, called this blog.  Do I make a lot?  Nah.  But I run it because it&#8217;s fun and I run my other blog as well.</p>
<p>It&#8217;s not a large part of my income.  It&#8217;s not even income I count on. It&#8217;s more just a hobby.</p>
<p>My DH used to sell software for money to run a simulation of fantasy hockey.  And he ran a website and a league where you paid to play.  He ran it for years until we meet. And he made a pretty penny doing it. He had to run the financials to determine how much to sell the software for, how much to sell the advertising for, how much to run league membership for.  What it cost to pay for his server, our internet, his time, taxes (which was more in canada), etc.</p>
<p>So yes, we do understand about small businesses and profit.  And by the way we&#8217;re considering starting a business next year.  Depending on how things turn out.</p>
<p>But we&#8217;re going to sit, talk and discuss what our bottom line and walk away point is before hand.  Because this would be an income change.</p>
<p>And if you don&#8217;t like people nickel and diming you  then raise your prices or get a job for a company!  Simple.  The market only supports what it supports.</p>
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		<title>By: Kara</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4451</link>
		<dc:creator>Kara</dc:creator>
		<pubDate>Thu, 18 Dec 2008 22:08:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4451</guid>
		<description>Quote:  &quot; Sounds to me like you are upset that people aren&#039;t using your business.&quot;

Nope.  My business is fine, thanks very much.  I just get tired of the way people who have no clue justify nickle-and-diming small business owners.  And then get holier than thou about it and lecture about profit and loss and income margins.  Do YOU actually own a small business and know what you&#039;re talking about?  Have you ever owned a small business?  Because it doesn&#039;t sound like you have.</description>
		<content:encoded><![CDATA[<p>Quote:  &#8221; Sounds to me like you are upset that people aren&#8217;t using your business.&#8221;</p>
<p>Nope.  My business is fine, thanks very much.  I just get tired of the way people who have no clue justify nickle-and-diming small business owners.  And then get holier than thou about it and lecture about profit and loss and income margins.  Do YOU actually own a small business and know what you&#8217;re talking about?  Have you ever owned a small business?  Because it doesn&#8217;t sound like you have.</p>
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		<title>By: LAL</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4441</link>
		<dc:creator>LAL</dc:creator>
		<pubDate>Thu, 18 Dec 2008 21:48:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4441</guid>
		<description>Kara, I changed my mind when the majority of posters say it&#039;s okay to ask for a discount.  The few that didn&#039;t Barb and Dana had valid points.

I also pointed out to my DH that we don&#039;t have to use her and we could have tried to hire someone from Craigslist to housesit for us.  Our roommate will be home for a few more days after us, so we don&#039;t even have to board the dogs the entire time.

Also trust me Kara, we&#039;re considering ALL the time about expenses.  We didn&#039;t travel internationally because the dollar was awful this year.  We also took our dogs AND didn&#039;t use her services over the summer on a camping vacation.  SO, I&#039;d have to argue that her business is slowing down and if she feels it&#039;s not making enough money then stop doing it.

Heck, all business owners big or small have to decide when it&#039;s not worth running anymore. And unfortunately in this climate it&#039;s going to happen to more owners.

I know this because my DH desperately wants to start a business.  Is it the right time?  We&#039;re not exactly sure it is.  And how long would he give himself before dumping the business?

These are all questions that need to be decided before you start the business.  What is your bottom line? Breakeven point?  Etc.  If you don&#039;t have a business plan, financial, etc then why are you doing it?

How will you get a business loan if you don&#039;t?  And how will you pay for the loan if you aren&#039;t making $x of dollars?

Sounds to me like you are upset that people aren&#039;t using your business.  I think it&#039;s a tough economic climate to be doing so. But I&#039;m not here to keep your business open. I&#039;m thinking about my own bottom line.  AND I&#039;m sure our not sending our dogs there this summer to the tune of $500+ is a big deal.  But hey we kept it cheaper for a reason.</description>
		<content:encoded><![CDATA[<p>Kara, I changed my mind when the majority of posters say it&#8217;s okay to ask for a discount.  The few that didn&#8217;t Barb and Dana had valid points.</p>
<p>I also pointed out to my DH that we don&#8217;t have to use her and we could have tried to hire someone from Craigslist to housesit for us.  Our roommate will be home for a few more days after us, so we don&#8217;t even have to board the dogs the entire time.</p>
<p>Also trust me Kara, we&#8217;re considering ALL the time about expenses.  We didn&#8217;t travel internationally because the dollar was awful this year.  We also took our dogs AND didn&#8217;t use her services over the summer on a camping vacation.  SO, I&#8217;d have to argue that her business is slowing down and if she feels it&#8217;s not making enough money then stop doing it.</p>
<p>Heck, all business owners big or small have to decide when it&#8217;s not worth running anymore. And unfortunately in this climate it&#8217;s going to happen to more owners.</p>
<p>I know this because my DH desperately wants to start a business.  Is it the right time?  We&#8217;re not exactly sure it is.  And how long would he give himself before dumping the business?</p>
<p>These are all questions that need to be decided before you start the business.  What is your bottom line? Breakeven point?  Etc.  If you don&#8217;t have a business plan, financial, etc then why are you doing it?</p>
<p>How will you get a business loan if you don&#8217;t?  And how will you pay for the loan if you aren&#8217;t making $x of dollars?</p>
<p>Sounds to me like you are upset that people aren&#8217;t using your business.  I think it&#8217;s a tough economic climate to be doing so. But I&#8217;m not here to keep your business open. I&#8217;m thinking about my own bottom line.  AND I&#8217;m sure our not sending our dogs there this summer to the tune of $500+ is a big deal.  But hey we kept it cheaper for a reason.</p>
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		<title>By: Kara</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4440</link>
		<dc:creator>Kara</dc:creator>
		<pubDate>Thu, 18 Dec 2008 21:22:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4440</guid>
		<description>Sounds to me like you&#039;re now trying to justify what you did.

&quot;Oh, her business is slow anyway.  Some money is better than no money. The market supports ... Blah blah blah.&quot;

You said that business owners have a right to charge what they want but if it&#039;s too much, no one will pay it.  Let me ask you this - if this woman had said &quot;no&quot; to your request for a discount, would you have not used her services?  Or would you have paid her the price that you&#039;ve already said was &quot;very reasonable&quot;?

So instead of thinking &quot;wow, this is a really reasonable price and I&#039;m lucky to have this business that I can use for my admittedly difficult dogs and support this business in these hard economic times&quot; ... you put this woman in a position of possibly feeling like she HAD to give you an even bigger discount than the multi-animal discount you were already getting, or she&#039;d lose your business.

So you took your difficult dogs to a private kennel that gave you a great rate to begin with and you nickle and dimed her for another 10%.  Was it REALLY worth it?

I&#039;d be embarrassed, too, if I were you or your husband.  I think what you did was take advantage of a small business that was already giving you a really good deal and now you&#039;re trying to justify it with self-serving blather about people who own small businesses.</description>
		<content:encoded><![CDATA[<p>Sounds to me like you&#8217;re now trying to justify what you did.</p>
<p>&#8220;Oh, her business is slow anyway.  Some money is better than no money. The market supports &#8230; Blah blah blah.&#8221;</p>
<p>You said that business owners have a right to charge what they want but if it&#8217;s too much, no one will pay it.  Let me ask you this &#8211; if this woman had said &#8220;no&#8221; to your request for a discount, would you have not used her services?  Or would you have paid her the price that you&#8217;ve already said was &#8220;very reasonable&#8221;?</p>
<p>So instead of thinking &#8220;wow, this is a really reasonable price and I&#8217;m lucky to have this business that I can use for my admittedly difficult dogs and support this business in these hard economic times&#8221; &#8230; you put this woman in a position of possibly feeling like she HAD to give you an even bigger discount than the multi-animal discount you were already getting, or she&#8217;d lose your business.</p>
<p>So you took your difficult dogs to a private kennel that gave you a great rate to begin with and you nickle and dimed her for another 10%.  Was it REALLY worth it?</p>
<p>I&#8217;d be embarrassed, too, if I were you or your husband.  I think what you did was take advantage of a small business that was already giving you a really good deal and now you&#8217;re trying to justify it with self-serving blather about people who own small businesses.</p>
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		<title>By: LAL</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4439</link>
		<dc:creator>LAL</dc:creator>
		<pubDate>Thu, 18 Dec 2008 21:12:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4439</guid>
		<description>Deevea, trust me I&#039;m using her less as is.  We are definitely now considering travelling less because of costs of everything.  This year we didn&#039;t travel internationally because the dollar was so weak.  So we stayed closer to home AND took the dogs for a week on vacation.

So I&#039;m not surprised.  I&#039;ll bet more people are camping or not travelling.</description>
		<content:encoded><![CDATA[<p>Deevea, trust me I&#8217;m using her less as is.  We are definitely now considering travelling less because of costs of everything.  This year we didn&#8217;t travel internationally because the dollar was so weak.  So we stayed closer to home AND took the dogs for a week on vacation.</p>
<p>So I&#8217;m not surprised.  I&#8217;ll bet more people are camping or not travelling.</p>
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		<title>By: Deevaa</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4438</link>
		<dc:creator>Deevaa</dc:creator>
		<pubDate>Thu, 18 Dec 2008 20:53:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4438</guid>
		<description>LAL wrote: &quot;I’ve decided that it’s not wrong to ask for the discount. I also now firmly believe that she won’t even be full. I believe that people aren’t using her services because they are not vacationing.&quot;

The other side of this is - if her business is slowing down, she may not be making enough to stay in business over the long haul.  You have to weigh the value you place on her service against the $30 you saved.  If she sees that she is not only slow over the holiday that used to be her busiest time, but she cannot even get her regular (extremely reasonable!) price, then she may need to find another job.  And how does that impact you?</description>
		<content:encoded><![CDATA[<p>LAL wrote: &#8220;I’ve decided that it’s not wrong to ask for the discount. I also now firmly believe that she won’t even be full. I believe that people aren’t using her services because they are not vacationing.&#8221;</p>
<p>The other side of this is &#8211; if her business is slowing down, she may not be making enough to stay in business over the long haul.  You have to weigh the value you place on her service against the $30 you saved.  If she sees that she is not only slow over the holiday that used to be her busiest time, but she cannot even get her regular (extremely reasonable!) price, then she may need to find another job.  And how does that impact you?</p>
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		<title>By: Danielle</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4437</link>
		<dc:creator>Danielle</dc:creator>
		<pubDate>Thu, 18 Dec 2008 19:47:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4437</guid>
		<description>It&#039;s definitely ok to ask for a discount.  I would suggest tipping her with a gift that she would be able to use at the kennel.</description>
		<content:encoded><![CDATA[<p>It&#8217;s definitely ok to ask for a discount.  I would suggest tipping her with a gift that she would be able to use at the kennel.</p>
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		<title>By: Is it always appropriate to ask for a discount? &#124; FinanceGroove.com</title>
		<link>http://www.livingalmostlarge.com/2008/12/03/is-it-wrong-to-nickel-and-dime/comment-page-1/#comment-4436</link>
		<dc:creator>Is it always appropriate to ask for a discount? &#124; FinanceGroove.com</dc:creator>
		<pubDate>Thu, 18 Dec 2008 08:06:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingalmostlarge.com/?p=2445#comment-4436</guid>
		<description>[...] a post called &#8220;Is it wrong to nickel and dime?&#8221; LAL also wondered if she should give the business owner a [...]</description>
		<content:encoded><![CDATA[<p>[...] a post called &#8220;Is it wrong to nickel and dime?&#8221; LAL also wondered if she should give the business owner a [...]</p>
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